Why Every Homeowner Needs To Consider Home Owners Warranty Insurance


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As a homeowner, protecting your investment and ensuring its longevity is a top priority. While you may have insurance to cover unexpected damages or accidents, have you considered purchasing Home Owners Warranty Insurance? This additional coverage can provide peace of mind by protecting your home’s major systems and appliances from wear and tear over time. In this blog post, we’ll explore the benefits of Home Owners Warranty Insurance, what it covers, how much it costs, and more. So sit back and get ready to learn why every homeowner should consider investing in this valuable protection for their home.

Home Owners Warranty Insurance.

Home Owners Warranty Insurance, also known as Home Warranty or Home Protection Plan, is a service agreement that covers the repair and replacement costs of major household systems and appliances due to normal wear and tear. While traditional homeowner’s insurance policies cover damage caused by unexpected events like fires, floods or thefts, home warranty coverage protects your home’s mechanical systems such as HVAC (heating, ventilation and air conditioning), plumbing, electrical wiring, kitchen appliances like refrigerators and ovens among others.

Homeowners can purchase this additional coverage either at the time of buying their new homes or later in order to protect these essential components against costly repairs. With a home warranty policy in place homeowners only have to pay for a small service call fee when they need something fixed instead of paying high out-of-pocket expenses for repairs.

It’s important to note that Home Owners Warranty Insurance isn’t mandatory but it provides peace of mind knowing that any major breakdowns will be covered under one plan without having to worry about dealing with multiple contractors.

Types of Coverage

Home Owners Warranty Insurance provides coverage for a range of home systems and appliances, which can vary depending on your policy. The types of coverage offered by Home Owners Warranty Insurance typically include plumbing, electrical systems, heating and cooling systems, kitchen appliances such as ovens and refrigerators, washing machines and dryers.

Plumbing coverage includes repairs or replacements to everything from leaking pipes to clogged drains. Electrical system coverage usually covers problems with outlets, wiring or circuit breakers that affect your home’s power supply. Heating and cooling system coverage typically includes issues with furnaces or air conditioning units.

Kitchen appliance coverage is particularly important given the amount of wear-and-tear these items experience over time. Commonly covered appliances include dishwashers, stovetops and garbage disposals. Washing machine/dryer combination units may also be included in some policies.

It is important to read through each policy carefully before making a purchase decision in order to understand what specific items are covered under each plan.

What to do if the Homeowner Dies

Losing a loved one can be devastating, and it’s important to make sure that their assets are taken care of properly. If the homeowner passes away, their Home Owners Warranty Insurance policy doesn’t automatically transfer to someone else. The executor of the estate will need to contact the insurance company and submit documentation, such as a death certificate and proof of ownership.

Once the insurance company is notified, they will typically cancel the current policy or allow it to expire at its next renewal date. However, some companies may offer a prorated refund for any unused portion of the premium paid.

It’s also important for those inheriting or managing the property to consider purchasing their own home warranty insurance policy after the previous policy expires. This can provide peace of mind and protection against unexpected expenses related to covered repairs or replacements.

In summary, if the homeowner dies, it’s essential to notify their Home Owners Warranty Insurance provider and provide necessary documentation. It’s also advisable for those inheriting or managing the property to consider purchasing their own coverage going forward.

What to do if the Home is damaged

When your home is damaged, it can be a stressful and overwhelming experience. The first thing you should do is assess the damage and contact your insurance company to file a claim. Your Home Owners Warranty Insurance policy may cover repairs or replacements for certain damages, so be sure to check what is included in your coverage.


Once you have filed a claim, take steps to prevent further damage by securing any broken windows or doors and covering any exposed areas with tarps. This will help minimize the risk of additional damage occurring before repairs can be made.

It’s important to document all damages thoroughly by taking photos and keeping receipts for any expenses related to temporary repairs or accommodations while your home is being repaired. This information will be useful when filing your insurance claim.

Depending on the severity of the damage, you may need to hire contractors or other professionals to make necessary repairs. Be sure to research reputable companies and get multiple quotes before making a decision.

Stay in communication with your insurance company throughout the repair process so that they are aware of progress being made and can provide further guidance if needed.

How much does Home Owners Warranty Insurance Cost?

When it comes to the cost of Home Owners Warranty Insurance, there is no one-size-fits-all answer. The price can vary depending on a variety of factors such as location, age and condition of the home, coverage amount and deductible.

Generally speaking, homeowners can expect to pay anywhere from $300 to $600 annually for basic coverage. However, if they opt for more comprehensive coverage or lower deductibles, the cost may increase.

It’s important to note that while the upfront cost may seem steep, it can ultimately save homeowners money in the long run by covering unexpected repairs or replacements.

Additionally, some companies offer discounts for bundling home warranty insurance with other types of insurance policies like auto or life insurance. It’s also worth shopping around and comparing quotes from different providers to ensure that you are getting the best deal possible.

Investing in Home Owners Warranty Insurance can provide peace of mind knowing that unexpected expenses related to home repairs will be covered.


Home Owners Warranty Insurance is a must-have for every homeowner. It provides protection against unexpected repairs or damages to your home and appliances. With this insurance, you can rest easy knowing that your biggest investment is well-protected.

Although the cost of Home Owners Warranty Insurance may vary depending on the coverage you need, it’s worth considering as it can save you money in the long run. You won’t have to worry about paying for expensive repairs or replacements out of pocket.

When choosing a warranty provider, make sure to do your research and compare different plans and prices from various companies. Look for providers with a good reputation and excellent customer service.

In summary, Home Owners Warranty Insurance offers peace of mind by protecting homeowners from costly repair bills due to unexpected damages or malfunctions in their properties. Get one today and protect your home!


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